Save on 2015 BMW 6 Series Insurance Quotes

Nobody that owns a car enjoys paying for auto insurance, especially knowing they could find better prices if they shop around. Multiple insurers compete for your business, so it can be very hard to choose a provider and get the definite best rates possible.

You need to compare prices on a regular basis since insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest rates for 6 Series coverage six months ago you can probably find a lower rate today. Ignore everything you know about auto insurance because you’re about to find out one of the quickest ways to reduce your cost while improving coverage.

If you have insurance now or need new coverage, you can use this information to cut your premiums and still get good coverage. Buying car insurance is not that difficult. Vehicle owners just need to know the most efficient way to compare company rates over the internet.

Where can I get cheap car insurance?

There are several ways you can shop for car insurance but some are less labor-intensive and much quicker. You can waste a lot of time talking about coverages with local insurance agents in your area, or you can utilize the internet to quickly compare rates.

Most of the best insurance companies take part in a program that allows shoppers to submit their information once, and each company then gives them pricing for coverage. This eliminates the need for quotation requests to every company.

To submit your quote information now, click to open in new window.

One minor caviat to using this type of form is you cannot specify which insurance companies you want to price. So if you prefer to choose specific providers to receive pricing from, we have a page of companies who write car insurance in your area. Click here to view list.

Which method you use is up to you, but make absolute certain that you use the same coverage information for each comparison quote. If you enter different values for each quote it will be next to impossible to decipher which rate is best.

Save $408 a year! What?

Consumers get pounded daily by advertisements for auto insurance savings by companies like State Farm, Geico and Progressive. All the ads state the claim about how much you will save just by moving to them.

How is it possible that every company can charge you less for car insurance? Here is the trick they use.

All the different companies have an ideal profile for the type of customer that will be a good risk. A good example of a desirable risk may need to be between the ages of 30 and 50, carries high limits, and drives a safe vehicle. Any customer who fits those characteristics will get very good rates and as a result will probably cut their rates if they switch.

People who are not a match for these stringent criteria may be required to pay higher rates with the end result being business not being written. If you pay attention, the ads say “customers who switch” not “everyone that quotes” will save that much if they switch. That’s why insurance companies can confidently make the claims of big savings.

Because every company is different, it is so important to get a wide range of price quotes. Because without a comparison, you cannot know with any certainty which company will fit you best based on your risk profile.

Don’t overlook these insurance coverage discounts

Insurance coverage can be pricey, but you might be missing out on some discounts that can help lower your rates. Many of these discounts will be applied automatically when you get a quote, but a few need to be specially asked for in order for you to get them.

  • Senior Discount – Drivers over the age of 55 may qualify for a small decrease in premiums for 6 Series coverage.
  • Braking Control Discount – Vehicles with ABS braking systems or traction control can avoid accidents and qualify for as much as a 10% discount.
  • Theft Deterent Discount – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and therefore earn up to a 10% discount.
  • Renewal Discounts – A few companies offer discounts for buying a policy prior to the expiration date on your current policy. It could save around 10% when you buy car insurance online.
  • Good Students Pay Less – Excelling in school can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • Paperless Signup – A few larger online companies will give you a small discount for buying your policy on the web.
  • College Student – Youth drivers who are attending college and do not have a car may be able to be covered for less.
  • Onboard Data Collection – Drivers that enable their company to study driving manner by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks as long as the data is positive.
  • Low Miles Discount – Driving less could qualify for cheaper premium rates.
  • No Claims – Claim-free drivers are rewarded with significantly better rates on car insurance quote in comparison to accident-prone drivers.

A little disclaimer on discounts, most discount credits are not given the the whole policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So even though it sounds like it’s possible to get free car insurance, nobody gets a free ride.

A list of companies and a selection of discounts can be found below.

  • Farm Bureau may offer discounts for youthful driver, multi-policy, renewal discount, safe driver, driver training, 55 and retired, and multi-vehicle.
  • MetLife includes discounts for good student, good driver, defensive driver, accident-free, claim-free, multi-policy
  • Progressive may have discounts that include continuous coverage, multi-policy, homeowner, online quote discount, and online signing.
  • AAA discounts include multi-car, AAA membership discount, good driver, pay-in-full, anti-theft, and good student.
  • American Family policyholders can earn discounts including air bags, Steer into Savings, early bird, mySafetyValet, and accident-free.
  • Geico has savings for federal employee, driver training, defensive driver, emergency military deployment, and military active duty.
  • State Farm offers discounts including accident-free, Steer Clear safe driver discount, good driver, anti-theft, driver’s education, and Drive Safe & Save.

It’s a good idea to ask all the companies how many discounts you can get. Some discounts listed above may not apply in your area. For a list of companies with the best insurance coverage discounts, click this link.

When to get professional advice

When it comes to choosing coverage for your vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions can aid in determining if your insurance needs could use an agent’s help.

  • Am I covered if I wreck a rental car?
  • How does medical payments coverage work?
  • Should I put collision coverage on all my vehicles?
  • Does my 2015 BMW 6 Series qualify for pleasure use?
  • Why is insurance for a teen driver so high?
  • Does insurance cover tools stolen from my truck?
  • Where can I find high-risk insurance?
  • When should I drop full coverage on my 2015 BMW 6 Series?
  • What is the minimum liability in my state?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Information about specific coverages

Understanding the coverages of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages offered by insurance companies.

Collision coverage

This pays for damage to your 6 Series caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as sideswiping another vehicle, damaging your car on a curb, hitting a parking meter and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Liability car insurance

This coverage protects you from damages or injuries you inflict on people or other property that is your fault. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims such as repair bills for other people’s vehicles, pain and suffering and bail bonds. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for bills for ambulance fees, EMT expenses, pain medications, X-ray expenses and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your BMW 6 Series.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive insurance

This will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as fire damage, damage from a tornado or hurricane, a tree branch falling on your vehicle and damage from getting keyed. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Don’t break the bank

Some insurance companies do not provide the ability to get a quote online and most of the time these small, regional companies provide coverage only through independent insurance agencies. Cost effective 2015 BMW 6 Series insurance is possible online as well as from independent agents, and you should compare price quotes from both to have the best rate selection.

We’ve covered some good ideas how to reduce 2015 BMW 6 Series insurance premium rates online. The most important thing to understand is the more companies you get prices for, the better chance you’ll have of finding the cheapest car insurance. You may even find the most savings is with a small mutual company. Some small companies may only write in your state and offer lower prices compared to the large companies like Allstate and Progressive.

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